matt mccall, president of penn financial group. gentlemen, good morning to you. steve, what does it mean for michigan? by the way it is not signed into law yet. they have a five-day grace period. what does it mean. >> this story is shocker, bill. we heard about it tuesday. they caught the unions napping. it is huge for michigan. it is old industrial state. epicenter of the old rust belt. my studies and a lot of others show, states of right to work where the jobs are going. we covered that story last year when boeing wanted to move its facility out of washington to south carolina one of the reasons they wanted to do that, bill, because south carolina is a right-to-work state. it is huge for the economic future of michigan. the other point i would like to make, bill, unions say this is anti-worker, when in fact it is exactly opposite. all right to work laws do, people get confused about this, all these laws do say the union has the right to establish itself but every individual worker has the right to decide whether they want to join that union or not. and i think